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The latest update is out from Citizens Financial Services ( (CZFS) ).
Citizens Financial Services, Inc. recently presented its financial performance for the third quarter of 2025, highlighting a growth in total assets to $3.1 billion and an increase in total loans and deposits. The company reported a net income of $10 million for the quarter, with improvements in key financial metrics such as net interest margin and efficiency ratio. These results underscore the company’s robust financial health and its strategic focus on enhancing shareholder value, despite facing potential risks and uncertainties in the market.
The most recent analyst rating on (CZFS) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Citizens Financial Services stock, see the CZFS Stock Forecast page.
Spark’s Take on CZFS Stock
According to Spark, TipRanks’ AI Analyst, CZFS is a Neutral.
Citizens Financial Services demonstrates strong financial performance with robust revenue growth and profitability. However, technical indicators suggest a bearish trend, which could pose short-term challenges. The stock’s valuation is attractive, with a low P/E ratio and a healthy dividend yield, making it appealing for value investors. Overall, the company’s solid financial foundation supports a positive long-term outlook, but investors should be cautious of current market momentum.
To see Spark’s full report on CZFS stock, click here.
More about Citizens Financial Services
Citizens Financial Services, Inc., headquartered in Mansfield, PA, operates in the financial services industry, offering a wide range of services including retail banking, commercial and agricultural lending, consumer loans, and various insurance and advisory services. The company is known for its strong market presence with 43 branches and 29 ATMs, and it has been recognized as one of the top-performing community banks in the nation.
Average Trading Volume: 9,257
Technical Sentiment Signal: Sell
Current Market Cap: $257.7M
Learn more about CZFS stock on TipRanks’ Stock Analysis page.